Step 1: Before you call
It'll help if you have the following items to hand:
Step 2: Contact your insurer
If you know who you have Home Insurance with you can contact them directly from the list of numbers below.
If you don't know the name of your insurer please check your policy documents. You can find these in your online account. If you can't find these please give us a call and we'll be happy to help.
Step 3: What happens when I need to make a claim?
Let's put it right
Your insurer will take details of the claim and authorise the repair or replacement of your damaged or lost items. They will instruct approved people to provide the repair and replacement services and where it’s needed, they will appoint approved assessors to undertake an inspection and give the go ahead for the work.
If your house is in need of repair work, always speak to your insurer to agree this before any work is undertaken as your insurer may refuse to agree any incurred costs.
A policy excess is the amount of money you agreed to pay towards the cost of a claim when you first took out your policy. It’s usually made up of a compulsory and voluntary figure and may differ depending on claim type.
You can find your excess amount in your home policy schedule on “My Account” or your insurer will be able to confirm what this is for you when you call.
Yes you will need to pay the excess that applies to the section of cover you are claiming under i.e. buildings or contents or both. The amount will be confirmed in your policy documents and your Swinton branch can confirm these for you as well.